Avoid affecting your credit score.

Buy a home with me and I can get you guaranteed findings with no hard dings to your credit. Just ask me about a soft touch credit pull.

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Trust the Mortgage Maestro

Welcome to Lower Mortgage Rates! I’m Duane Buziak Mortgage Maestro, a state licensed home loan expert dedicated to making sure your home financing experience is top-notch.

Switched to brokering some years ago as I have long believed the best advice comes from someone independent, not tied, captive, or bound. I have a multitude of loan options, some might even say the most in the state. In addition, as I always start all loan applications with a soft touch, this will NOT affect your credit!

Why Work With Duane Buziak?

Comprehensive Cost Savings Beyond Just the Rate

While known for securing favorable rates, Duane Buziak emphasizes a "whole package" approach to saving clients money. This includes connecting clients with Realtors offering discounts or covering closing costs, low-cost Title companies with minimal fees, and cost-effective insurance options, potentially leading to thousands of dollars in overall savings.

Personalized & Responsive Service

Many client testimonials highlight Duane Buziak's dedication to personalized service, clear communication, and responsiveness, even on weekends. Clients appreciate the one-on-one guidance throughout the entire mortgage process. He reportedly handles all client interactions himself to ensure personalized attention.

No-Cost, No-Obligation Pre-Approvals & Soft Credit Checks

Duane Buziak offers free, no-obligation pre-approvals and utilizes soft credit checks, meaning clients can explore their mortgage options and get pre-approved without impacting their credit score. This allows for upfront understanding of buying power and potential costs.

Expertise and Diverse Loan Options

With over a decade of experience and a high national ranking, Duane Buziak demonstrates expertise across a range of loan products, including conventional, FHA, VA, USDA, jumbo, and various niche loans like those for the self-employed or investors. He has received local and national recognition for his work and knowledge of the Central Virginia market. He also offers specialized solutions like low/no credit options and grant programs.

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Your Home, Our Expertise: Your Perfect Mortgage Partner

Soft inquiry only: Lenders use a soft pull to assess creditworthiness without recording the inquiry on your credit report.

Prequalification purposes: You can see the mortgage options you’d likely qualify for (e.g. estimated rate or loan amount) without fully applying.

No credit score impact: Your credit score remains unaffected during these early explorations.

Real estate professionals like Duane Buziak Mortgage Maestro promote “no‑touch credit” prequalification to let customers compare and explore options free of risk to their score

Our Vision

Fast Approval: Streamlined application and approval process to get you into your new home sooner.

Our Mission

To provide exceptional service to clients by offering a wide range of mortgage products and services.

Pre-Qualify Without Hurting Your Credit

Discover what you qualify for – with no credit score damage, no cost, and no stress.

No Credit Hits

We don't run your credit multiple times - we protect it. Your score stays safe.

100% Free

No fees, no obligations. Just answers - fast and free.

Fast & Easy

Get a clear view of your buying power in minutes without paperwork or pressure.

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What Customers Say About Working With Duane Buziak Mortgage Maestro